Know the facts before you foreclose!: Benefits of owning a home !

Here are some Benefits to owning a Home.
Do you have one? if not what are you waiting for?
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Know the facts before you foreclose!: Benefits of owning a home !: Brought to you by    SANDIEGOHOUSESHOP.COM     (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHULA ...

Benefits of owning a home !

Brought to you by   SANDIEGOHOUSESHOP.COM   (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

There are many benefits to owning a home! 

Do you know that owning a home can do wonders for your Health!   and life as a whole!   Check the graphic out from CAR.org 

For any more questions please let me know!  

Know the facts before you foreclose!: 2012 is almost GONE!

2012 is almost done!
So what is left to worry about?
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Know the facts before you foreclose!: 2012 is almost GONE!: Brought to you by    SANDIEGOHOUSESHOP.COM     (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHULA V...

2012 is almost GONE!

Brought to you by   SANDIEGOHOUSESHOP.COM   (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

So what’s happening next, 2013 is almost here!

Many people are talking about the Fiscal Cliff, also about the in MID and last but not least the debt forgiveness act.

According to the experts president Obama still discussing what it’s going to be done about the fiscal Cliff.  This week President Obama is addressing Congress. For more info  click here.

When he comes to the MID talks are still on the table with Congress are discussing perhaps an extension or a new more updated version of it. See below for report and also how to fix action.

Click Here for the report   Click here for the call of action!

The debt forgiveness act many talks have been around this particular topic because without it there chances that people will wind up owing money to the government because of capital gains. There is no reason why to worry yet because back in February Pres. Obama was trying to enact a new bill (FY2013) which integrated the debt forgiveness act as part of it, if this happens to pass then many things will be taking care of. Click Here for more info about the Bill.

In case you have any more questions feel free to contact us! 

Do you want to know the Short Sale Facts for Short ? 

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HAFA program Explained? 

Click Here

Do you Qualify for a Short Sale? 

Click Here 

Know the facts before you foreclose!: To all my SEO and Geeky Friends !

I bet you didn't know this one!  
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Know the facts before you foreclose!: To all my SEO and Geeky Friends !: Brought to you by    SANDIEGOHOUSESHOP.COM     (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHULA V...

To all my SEO and Geeky Friends !

Brought to you by   SANDIEGOHOUSESHOP.COM   (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

How about the New TOS' of instagram 

 Just recently my wife came across this very interesting blog.  It is  talking about instagram and especially the blogger was talking about the new TOS ever since it was bought by Facebook.   

The new TOS is based on the fact that everything you post from writing and pictures all will become part of their revenue making items. Which it’s interesting because any picture you put on becomes theirs! 

I feel is not really fair because the moment you take a nice picture and they like it the TOS   says that they can market it sell it and pocket that money without you even knowing or getting a penny from it.

Check out the blog her name is Globetrotting in Heels!  

And if you know any one that wants to buy or sell Real Estate in Chula Vista or San Diego please let them know we are here to help them out.

Visit us at http://www.SanDiegoHouseShop.com

Gracias a Ti !

Gracias a todos !  
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Know the facts before you foreclose!: Thank you to YOU!

This is for Everyone I know. 
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Know the facts before you foreclose!: Thank you to YOU!: Brought to you by    SANDIEGOHOUSESHOP.COM     (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHULA V...

Thank you to YOU!

Brought to you by   SANDIEGOHOUSESHOP.COM   (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

I just wanted to take a moment to Thank you!  

Have a great Christmas Holiday !  and ah Blessed 2013 !!  

Thanks for Watching 

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Know the facts before you foreclose!: Lets keep the MID a Call to action!

Lets keep the MID we need your Help!  
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Know the facts before you foreclose!: Lets keep the MID a Call to action!: Brought to you by    SANDIEGOHOUSESHOP.COM     (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHULA V...

Being Thankful with others!

Brought to you by   SANDIEGOHOUSESHOP.COM   (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

I want to say thanks.

 I just recently discovered this thank you note on a closing I did a little while back.  It was not a very easy file and while lending had some issues, things end up on a very happy note and a client that I know they had a very great experience and end up with a very nice property.

Now that we’re in the season of being thankful and joyful, I would like to think back and think of every single client that he has given me the chance to be able to make their dream come true and for some a better future on a situation that was very negative.   Also I would like to thank my family especially my wife for putting up with me sometimes when I was on appointments very late at night and my kids which in turn they were waiting for daddy to get home.

I feel this year was full of learning and full of blessings, some bumps on the road and great strides were made for an awesome 2013.

In our profession sometimes because everything goes so fast we don’t have the time to thank everyone that walks with us and comes along the way.

So with any further do I want to thank everybody that was involved in any way shape or form with me.

May this Christmas brings you all many blessings and this 2013 may always be full of love, blessings, great moments with your love ones, goals reached and much, much more!

From Hugo Sanchez Realtor owner and CEO of

http://www.SanDiegoHouseShop.com

If you are thinking on selling your home or buying a new one, please give us a call 619-869-0588  In the areas o San Diego and Chula Vista.  

Know the facts before you foreclose!: Lets keep the MID a Call to action!

Let's Keep the MID and make everybody's Life Easier !  
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Know the facts before you foreclose!: Lets keep the MID a Call to action!: Brought to you by    SANDIEGOHOUSESHOP.COM     (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHULA V...

Lets keep the MID a Call to action!

Brought to you by   SANDIEGOHOUSESHOP.COM   (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

MORTGAGE INTEREST DEDUCTION

The question is whether it will stay or it will go? Many people leaves it to Congress and we think they will make the right decision for all of us!  But at this time government is neither pushing it nor ignoring the MID (mortgage interest redone deduction) and we don’t want Congress just sit on it and do nothing!  Many lawyers say “it depends”.  I would say no one really knows.  But if we don’t take action then we will deserve what we all get! 

As realtors this is very important and as a homeowner should be very important for you too.  The MID (mortgage interest redone deduction) is something you should take very seriously as a homeowner.

You may wonder how much money is involved. The cost to the feds in 2013 is around $97 Billion. 
The number one in size of deductions is California at around $18,000.00 the lowest state is Oklahoma with an amount of $8,000.00.   The Mid-America states are not as affected because they are able to use extended deduction.

At this point we ask you to take some time and urge you to call your representative in congress and let them know how important this decision on the MID (mortgage interest redone deduction)   is for you too!

Take the time make it count and if he you have any questions we are here to help you,  feel free to contact us at http://www.SanDiegoHouseShop.com/contact

Know the facts before you foreclose!: Is It Beneficial to Short Sale ?

Do you really benefit From a Short Sale?  Do you know any one who need to Short Sale  http://www.Sandiegohouseshop.com/contact

Know the facts before you foreclose!: Is It Beneficial to Short Sale ?: You can Count on us    SANDIEGOHOUSESHOP.COM  AT   (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CH...

Is It Beneficial to Short Sale ?

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

What are the benefits of the short sale

·         No need to be behind on your payments

·         No cost to homeowners

·         HAFA program - may help you receive from $100 up to $3000

·         Some banks could give you up to $30,000 *

·         Limit your credit damage

·         Gives you control on your sell

If you want to know what a short sale is  check our blog about it:

Do you want to know the Short Sale Facts for Short ? 

Click Here 

 4 Different myths about short sales

I don’t think I have a big enough hardship to qualify for a short sale.

Now a days qualifying for a short sell is a lot simpler than before banks have understood that homeowners are real people and then their hardship could come in various ways. As longest is something real that is causing you a big problem to pay your mortgage whether is long-term or short then you may qualify for a short sell. Some of the examples are divorce, loss of a job, job transfer, medical emergency, decrease in pay, etc. with this in mind then the banks may consider helping you with a short sell.  Every case so please feel free to contact us for a free and private consultation.

Will my credit be ruined if I short sale?

A short sell can actually help you versus a foreclosure, many people tend to think if they foreclose they will be okay, which is not truth you credit if foreclosing will be in bad shape and you may not be able to buy a home in a while.  While you short sell then you’ll be able to buy again in 1 to 2 years.

What about the debt relief act

There’s still some talk about the debt relief act, please see our article below.

Click here for the latest 

What would happen if I stay in my home and stop paying my mortgage?

If you stay home without doing anything you run the risk to be foreclose, be evicted from your home at any time the bank decides to send the sheriff to give you very little time to get off the property. Many times we heard the sheriff would only give you 24 hours to move out. You want to be caught in this situation because you didn’t do anything that will give you the power to control your situation. Be the first one to the something that you realize that it’s time to move forward and even if your hardship is small take action to protect you and your family. Half control and move forward.

While using us to help you do your short sell:

We have been doing short sales since they appeared in the market back into 2005 here in San Diego. We have developed a system that makes sense for you and the banks and makes it easier for everybody to get a transaction processed and out the door as soon as possible. We have been completing many successful short sales with many happy homeowners moving forward in their lives. We take the guesswork out of the process and provide you with what you need every step of the way. This process would take 30 to 60 days depending on your servicer and could take up to 90 days to going to closing this will give you a chance to remain your house until the end and also will help you to figure out what you are going to do.  For a free private consultation and to find out more info give us a call    our short sale program is FREE you have nothing to lose!

Know the facts before you foreclose!: Will the Mortgage Forgiveness Debt Relief Act be ...

Debt Forgiveness Act Is this really going to be extended? 
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Know the facts before you foreclose!: Will the Mortgage Forgiveness Debt Relief Act be ...: You can Count on us    SANDIEGOHOUSESHOP.COM  AT   (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHU...

Will the Mortgage Forgiveness Debt Relief Act be Extended?

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

Mortgage forgiveness debt relief act of 2007

Many of our clients have asked if this act will happen to be extended.

As a reminder this legislation ensures that homeowners who received principal reductions or other forms of debt forgiveness on their primary residences do not have to pay taxes on the amount forgiven,  without it the debt forgiven on a loan modification or short sales will qualify as income that is taxable to the borrower.

 In order to avoid that, you would have to presently close that loan modification or  the short sale on or before December 31^st 2012.

A few months back DSnews reported:

“Obama’s FY2013 budget proposal includes an extension of the Mortgage Forgiveness Debt Relief Act of 2007…  

In the Treasury’s Green Book, its summary explanation of the administration’s budget proposal, it calls for an extension of the tax break due to “the continued importance of facilitating home mortgage modifications.”

The administration is proposing an extension that would apply to any amounts forgiven before January 1, 2015.”

In today’s date this could mean a great help for all the homeowners that have a pending loan modification or short sale.  This budget proposal could be considered doubtful and both parties would have to agree of this agreement be extended we can in the hope that Congress get their act together and passes this provision. 

Disclaimer: we strongly recommend you do that for any tax issues you consult your tax agent.

Contact us at http://www.SanDiegoHouseShop.com/contact

Know the facts before you foreclose!: If you really need help in your Short Sale Read th...

If you or anyone you know needs help preventing Foreclosure 
contact us http://www.sandiegouhouseshop.com/contact
Know the facts before you foreclose!: If you really need help in your Short Sale Read th...: You can Count on us    SANDIEGOHOUSESHOP.COM  AT   (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHU...

If you really need help in your Short Sale Read this!

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

Are you having problems paying your mortgage?
Has your modification fail?
Have you tried to modify many times and been denied?
Have you lost your job?
Do you have a hardship?
Can you short sell?
Are you looking in to foreclosing your property?

Have you receive an NOD?

Before you do that make you to give us a call and discuss your options, is not easy to make a decision when you are having so much problems at home,  we are here to help you and show you that there’s many solutions to your problem you are not the only one and there is help for you.  But as necessary that you realize liking everything they have a real problem in your hands and is draining everything you are,  let us help you with your Chula Vista short sale are experienced staff will be able to take your call or request with a outmost respect privacy and is free for you. 

Check out our blogs and you will see that there is an answer for you and your future will be better.
Don’t let the banks bully you and take the right steps! Take control of your situation! And you will determine your own ending! Not the banks !!

Give us a call or visit us at http://www.SanDiegoHouse.com  

Do you want to know the Short Sale Facts for Short ? 

Click Here 

HAFA program Explained? 

Click Here

Do you Qualify for a Short Sale? 

Click Here 

We need your help to keep the MID !!

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Help us keep the MID we need all the help we can get: 

As the date is fast approaching we need your help to tell congress to help you and all of us to keep the MID   CAR (California Association or Realtors)     This could cost us all a fortune if congress does not Keep the MID !   

Brought to you by CAR: 

Background

Congress, as part of negotiations on avoiding the "Fiscal Cliff," has made direct references to "closing loopholes" and "limiting deductions" as a way to raise revenues. Clearly, the mortgage interest deduction is high on this list of revenue raisers.

Losing the Mortgage interest deduction will disproportionately affect the middle class because a larger proportion of the middle class takes the deduction. In California 89% of those who took the mortgage interest deduction earned less than $200,000. Losing the deduction would cost the average California taxpayer over $3,900.

Keep in Mind we all are in this together !!!  

What your family, friends and clients can do to help:

Call Congress. First and foremost, we are urging the public to get involved by calling Congress to ask that the mortgage interest deduction be preserved. The public may reach Congress by calling202-224-3121. The Capitol switchboard operator will help callers identify their member of Congress and connect them.

The public can reach Congress by calling 202-224-3121

Monday-Friday
from 9:00 am – 6:00 pm, Eastern time.

Get the word out. Many people seem to be blissfully unaware that their mortgage interest deduction is in danger. Please do the following to make sure that the message spreads.

1. Forward this message to your family, friends and clients.
2. Post this information on your personal and office websites and blogs.
3. Share this information on Facebook and urge others to share it as well.
4. Tweet about it on Twitter and urge others to retweet. Use the hashtag: #savethemid.
5. Link to the following web page: KEEP MY MID. This site has information about contacting Congress, more information on the MID and links to articles.
6. As you see new information and articles, share these on all your social networking sites.

If you’re a REALTOR®, please click here for information about responding to C.A.R.’s Call-for-Action   CLICK HERE TO RESPOND.

Thanks to everyone for your efforts in support of home ownership!

Thanks 

Know the facts before you foreclose!: A good tip about Short Sales

Know the facts about Short Sales!  before you do it !
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Know the facts before you foreclose!: A good tip about Short Sales: You can Count on us    SANDIEGOHOUSESHOP.COM  AT   (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHU...

A good tip about Short Sales

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor


If you are thinking in Short selling you Chula Vista or San Diego Home Here is a good tip about it!
  

You maybe hearing the BUZZ about Short Sales In Chula Vista and San Diego!  
They are too long, or they are too short!  They never happen! they maybe happening! 
Ass of everything take things with a grain of salt!  Don't believe it. Short Sales are longer than a regular transaction indeed, but as the time is going by the Short sale timelines are becoming shorter and shorter as the banks get their act together.  For example the new form 710 check out our blogs and you will fins out what this new form is all about.  CLICK HERE for the info.    We invite you to check out our info from http://www.SanDiegoHouseShop.com/contact as well as the info we post daily about Short Sales.  Our Experience combined in Short Sales and Real Estate together is over 30 years. www.SanDiegoHouseShop.com closes 90 -95% of the short sales we take care of, the other 5% - 10% falls because either the seller or the Servicer were not cooperating with the procedure. We know things are'n perfect but our experience with all the banks around had help us create relationships with the majority of them, to mention some Bank of America, Wells Fargo, Chase, USA Bank, to mention some.   We know what it takes to close a Short Sale and we have an extensive portfolio of clients that we know would like to buy your home.  We know were to find the buyers. So you can move on with your life!      
BEST OF ALL this service is free to you *   
Give us a call or visit us at http://www.sandiegohouseshop.com/contact for a free and private consultation. 

*On a typical Short Sale there is no cost to the seller, but before putting your home in the market lets talk, every case is different!.

Do you want to know the Short Sale Facts for Short ? 

Click Here 

HAFA program Explained? 

Click Here

Do you Qualify for a Short Sale? 

Click Here 

PR INSIDE for free Public Relation

Look out one more person we were able to help to prevent Foreclosure !
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PR INSIDE for free Public Relation

Know the facts before you foreclose!: Foreclosure Headlines

BE in the know about your Foreclosure, do you know anyone? 
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Know the facts before you foreclose!: Foreclosure Headlines: You can Count on us    SANDIEGOHOUSESHOP.COM  AT   (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHU...

Foreclosure Headlines

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

Headlines today are filled with many stories about homeowners in financial distress— 

Millions of American home owners are wondering what to do, because they are facing financial difficulties and they may lose their home to the Big BANKS!   .

Because of these and many other crises,  it has produced many  rumors and misinformation, in the news, TV programs, News Papers, the Internet, etc. The mayor one is the attitude of "WHY NOT, LET IT HAPPEN!!"  or "Is worthless to fight back!"  Linking like that happens and often times is not such a good idea !

There are a lot of emotions involved in it and is draining !    and the well intended Loan Modifications aren't helping especially when 1 out of 9 Loan Modifications aren't been approved!  and they aren't helping many people.  While some of the rumors are just that many or what I just brought up is real!    Don't get caught on this web of miss information.  Take control over your own situation!  

As I said Government intentions were good but they have fallen short of the public's expectations ,  but there is a solid answer for you the Homeowner in distress !    there is a sensible option that will help you take care of the matter and at the same time will open up your future, this is called a short sale—a sale to a buyer where the seller’s lender agrees to accept less than the full amount owned.

Here you can see the articles we blogged about in regards this situation you are not alone trust me! 

And as many others they have found help with their Short Sale in Chula Vista and San Diego!  

Do you want to know the Short Sale Facts for Short ? 

Click Here 

HAFA program Explained? 

Click Here

Do you Qualify for a Short Sale? 

Click Here 

Know the facts before you foreclose!: Facing Foreclosure? Here is a way out !

Why not to foreclose!
any questions visit us at http://www.sandiegohouseshop.com/contact 


Know the facts before you foreclose!: Facing Foreclosure? Here is a way out !: You can Count on us    SANDIEGOHOUSESHOP.COM  AT   (619) 354-4636  or Click here  http://www.sandiegohouseshop.com/contact  to Reach a  CHU...

Facing Foreclosure? Here is a way out !

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

Why not be foreclosed? Why sell short?  

• 
  
• If you ask many of the Agents that have sold many Short Sales about the process and information on Sort Sales in Chula Vista or San Diego the can give you Hundreds of reasons why it is good to do A Short Sales over a Foreclosure.   Here are some of them!  
• 
  
• Why not to Foreclose - Because is the right thing, after you used the house, lived in it, created memories in it with you and your family, why not do the right thing, and at the same time benefit from it, taking the chance to maybe qualify for relocation money from your Servicer / Bank !
• Foreclosure stigma avoid it! – As a Foreclosed Homeowner you will always have to disclose  that you foreclosed on your Mortgage on any Mortgage application and many job applications that you submit in the future.  If you ever have to rent which you will after 90% of the times you may have to pay higher rent or deposit because you had a foreclosure that shows in your credit report.   This can also have an adverse effect in the future for mortgage rates, credit card rates etc.  Foreclosure is asked about specifically in credit inquiries. There is no seven-year time limit on this item!
• Make sure you protect credit score – By Foreclosing your credit scores will be lowered by 300-plus points (per loan) , by Short Selling will impact only about half.  
• Have your chances of Improving the eligibility for a government insured loan – In a Foreclosure you will be ineligible for a Government insured loan for 5-7 years (only two if you Short Sale.  A foreclosure will remain in your credit report and that is an item that is very impossible to take out of it!  
• Stop and Avoid a deficiency judgment – Lenders have the right and they can seek deficiency judgement against the home owner and they can collect the amount owed to them that was not recover at the sale!   
• Protect your future employment  prospects – Many employers are requiring credit checks on their new prospect employees.  Government clearance will be put at risk by a Foreclosure,  Many employers will run credit background checks on  prospective employees. Foreclosure is one of the top items that will put a potential new hire, or even current employment, in jeopardy.

These are the top reasons, but there are more. An expert short sale specialist agent can give a full picture of the options.

Give us a call we can help you sort out your situation and also we can help you come ahead on your Short Sale in Chula Vista or San Diego.   For a free private consultation  http://www.sandiegohouseshop.com

Do you want to know the Short Sale Facts for Short ? 
Click Here 

HAFA program Explained? 
Click Here

Do you Qualify for a Short Sale? 
Click Here